Tutor (Academic) Insurance

What this coverage is intended to address

• ✓Professional liability insurance and Errors & Omissions (E&O) insurance are generally intended to respond when a student or parent alleges that your instruction or guidance contributed to a poor grade, missed test score, or other academic setback.
• ✓General liability is generally intended to respond to third-party bodily injury or property damage that may arise during in-person sessions, such as a student tripping in your tutoring space.
• ✓Defense costs that may be associated with a covered claim, even where the underlying allegation is ultimately disputed.

Hypothetical claim scenarios

These are hypothetical examples only. Actual coverage depends on the policy form, exclusions, and carrier determination.

• A parent claims your test-prep coaching caused their child to underperform on a college entrance exam and demands a refund plus damages; professional liability / E&O insurance is generally intended to respond to a covered claim of this type.
• A student visiting your home office slips on a loose rug and is injured; general liability insurance is generally intended to respond in the event of a covered claim.